You can earn cashback on eligible Pemo card transactions. Your plan and account determine your rate.
How much you earn
Your plan sets the maximum cashback rate you can earn. Your account’s FX fee profile determines your actual rate.
Plan | Cashback on international spend | Cashback on domestic spend |
Starter | 0.5% | Not available |
Premium | Up to 2% flat, uncapped | Not available |
Enterprise | Custom rate | Custom rate |
The rate your plan advertises is the maximum available. Two companies on the same plan may receive slightly different cashback rates.
On Premium, international card spend earns up to 2% cashback (uncapped), and your actual rate depends on your account’s FX fee profile. Because the rate varies, we can’t guarantee a spend level that offsets your subscription fee.
What spend qualifies
Cashback applies to card transactions with merchants outside the UAE or transactions billed in a foreign currency.
This covers most international business spend, including software subscriptions billed abroad, international suppliers, and travel.
The international spend rate has two components:
Cross-border spend billed in AED with an overseas merchant
FX spend billed in a foreign currency
Pemo configures these components for each account. Only one is active for an account at a time, and the combined rate is capped at 2%.
The Cashback card on Home shows the amounts you have earned, not a rate.
If your company joined Pemo before the Starter, Premium, and Enterprise plans launched, you may still have the legacy Essential plan.
Essential earns cashback on corporate advertising spend, such as Google Ads and Meta, instead of the international spend described above. Your existing rate applies.
This grandfathered arrangement is only for existing Essential customers. Signups and Starter, Premium, or Enterprise accounts can’t opt into it.
If you're unsure which model applies, ask your customer success manager.
The following don’t qualify for cashback:
ATM withdrawals
Exchange house transfers
Money transfers
Wallet top-ups
Internal transfers between wallets
Chargebacks
Disputed or unsettled transactions
Refunds
Tracking your cashback
Select Home in the left sidebar in the Pemo web app. The Cashback card shows two figures:
Earnings this month: Cashback accruing from this month’s spend before payout.
Total Earnings: Cashback already paid into your Wallet.
Select View payouts to go to Accounts, then download your wallet statement to see each payout.
When it’s credited
If you’re eligible, cashback is reviewed and credited manually to your Wallet, typically before the second week of each month.
If your account’s rate changes mid-month, the updated rate applies to transactions from the date of the change.
Because the month isn’t finalized until the 5th, a rate change made between the 1st and 5th can still affect the prior month’s payout. Ask your CSM if the timing of a rate change matters for your business.
Good to know
If you booked through the Mastercard/Booking.com promotion, Booking.com pays the cashback directly as Travel Credits into your Booking.com account.
It isn’t paid into your Pemo Wallet and can take 64+ days after checkout to appear.
Pemo Power Tip: Route recurring international payments through your Pemo card, including ad platforms, software subscriptions, and overseas suppliers, so this spend earns cashback. The cross-border fee (3.68%, VAT inclusive) still applies to these payments.